Mortgage Consultant Customer Service

ELIZABETH M. VILLA

Garland TX · Cell: 972-***-**** Work Cell 512-***-****

Email *******@*****.*** LinkedIn Profile https://www.linkedin.com/in/elizabeth-villa-78a73919/· https://twitter.com/flacarsdf https://www.smartr.me/public/profiles/elizabeth.villa

Senior Mortgage Specialist seasoned Conventional Underwriter, Audit Specialist and Quality Control Underwriter. Experience in administration program agencies guidelines for FNMA, FHMAC, QA for VA and FHA loan evaluations audit, writing reports, presentations. Origination and operational manual and training update and management skills, great Customer Service.

EXPERIENCE

SEPTEMBER 2021 (2 WEEKS) NOVEMBER 2022 TO PRESENT

FORENSIC UNDERWRITING

MULTIPLE ASSESSMENT AND PROJECT ANALYSIS REVIEW

VERIFYING DATA INTEGRETY WITH SUPPORTING FINDINGS

REVIEWING GUIDELINES FOR REBBUTAL

JANUARY 2019 – PRESENT

ADMINISTRATIVE, DFPS, CPS, FBSS, regioN 3, Unit A3, ROCKWALL TX

Administrative support for FBSS, CVS, INVESTIGATIONS, APS, KINSHIP, ALTERNATIVE RESPONSE INVESTIGATION Units. Covering Rockwall County, Navarro County and Kaufman County.

Preparing Closed Cases for RIO and Using Impact program to update files and add conference Notes for each case.

CWAP for Greenville, Navarro, Kauffman, Dallas, Rockwall.

Translating Interviews from Spanish to English,

Travel accompany transported HTC from Rockwall to Houston several times.

Updated regulations and procedures in all manuals by function and department

Updated the evacuation for the natural disaster manual for all units

Updated all training manuals for updated classes and mandatory trainings.

MARCH 2017 – SEPTEMBER 2018

FNMA QC CLAIM ANALYST, American Mortgage Consultant dallas, TX

Multiple assessment and project analysis

571, QC, HECM, NON-SERVICER

Collection Analysis of overages and underpayment

Government Loan analysis validating information integrity

FEBRUARY 2013 – FEBRUARY 2017

UNDERWRITING ANALYST, American Mortgage Consultant dallas, TX

Verified data integrity and accuracy

QA Underwriting

FNMA Reviews

Maintain 97% accuracy on internal audits with target 94%

Special project assignment. contract expedited timeline to correct FNMA buy back request of largest portfolio after being identified as in violation of investor guidelines.

JUNE 2015 – DECEMBER 2015

FORENSIC UNDERWRITER, recovco mortgage management irving, TX

Verified data integrity and accuracy

Re- Underwriting loan portfolios in different points in litigation

Audited FHA, VA and Jumbos loans

Wrote the claims rebuttal letter for use by the lender when defending loans accuracy against active litigations

Structure bank position on substantiated accuracy of original underwriting based on investor guidelines for products assigned.

NOVEMBER 2013 – MARCH 2015

UNDERWRITING AND RE-UNDERWRITE LOANS, flac Consultant, Euless, TX

Verified data integrity and accuracy

Re- Underwriting loan portfolios in different points in litigation

Credit Risk Management Analysis of Commercial Loans Deals

Audit Investors loan portfolio

Workflow Procedures and developed training on deficiencies identified

Underwrote Manual and AUS Conventional Loans

Wrote the Securitization Analysis report and presentations

Wrote Procedural Origination Manuals and updating Procedures Manuals for commercial bank using FFIEC, OCC, Rules, State and National and using USC Codes, GSE Codes and local Regulations that affect zoning and Building codes. CRA section for local segment of low-income section. Zip code that show low income and disparities.

Mavent reports, Fraud Reports, FFIEC updates

OCTOBER 2012 – OCTOBER 20137

SR RETAIL UNDERWRITING, jp morgan chase irving, TX

Performed initial client assessment and analysis to begin research process

Signing Authority 1st Mortgage $750,000.00 and 2nd Mortgage $150,000.00

Jumbo Loans and complex file profiles requiring manual underwriting

Consistently maintain 100% production target for role 98% accuracy

Assigned Community Loans using local loan assistance program.

MARCH 2012 – OCTOBER 2012

QUALITY CONTROL FRAUD ANALYST, Adjility Consultant NJ, HUNT, TX

Assignment at saxon Fraud unit with Morgan Stanley

Investigated several levels of fraud review between all accounts payables.

QC testing with data mining review

Servicing Analysis in all department with quality control

JANUARY 2009 – OCTOBER 2009

ASSISTANT TO COMPLIANCE OFFICER, OCEAN BANK MIAMI FL

Updated Procedure Manual

Updated Operation Manual for CRA & LAR

Updated Regulation X, C, B, N and Look for regulation conflicts

Used Geo Code Locator for CRA territories from FFIEC

Analyzed Investment from the bank in the CRA area to determine if the Minimum Investment criteria was meet.

EDUCATION

DECEMBER 1978

HIGH SCHOOL CERTIFY, Santa Rosa Catholic School Santiago Chile

Graduated with Honor

IN PROCESS EXPECTED GRADUATION 2022

BACHELLOR DEGREE / ACCOUNTING AND FINANCE, American International University

148 Credits 3.05 GPA

IN PROCESS EXPECTED GRADUATION MAY 2023

AA SOCIAL WORK, Easfield College

80 Credits 2.75 GPA

SKILLS

Commercial and Residential Underwriting

Risk Analysis Moody’s Scorecard Review

Managed 86 / 160 loan per month (Wholesale)

Condition Signing Authority Level 3 (Conventional Underwriting)

Fraud Analysis and Servicing Analysis

Audit FHA, VA and AUS Conventional, Jumbo.

Income Properties appraisal review

Microsoft products (Word, Teams, Excel, Power Point, Outlook). E-Travel, Go to Meeting.

Training material how to keep a pipeline updated and under control.

Quality Assurance Auditor

Wrote Origination and Operations Manuals

Training Material with Programs and Guidelines including how to complete forms. Read Pricing sheet from vendor programs, and price a loan.

TX Notary, great Customer Service.

Underwriting and Auditor Loan disposition, Material Exception Summary Analysis

Compliance of HMDA corrective action LAR response, CRA Validation Reports

Credit Memo and Analysis of loan approvals compliance review.

Self Employed Taxes Review 4506T

DU/DO, AUS, Compass, LOIS, LAR, Credit Report. Taxes Transcript, Case Track, Intel.

ACTIVITIES

I like to walk my dog, I like knitting, I like sewing, I like to write and music.

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